Key Takeaways
- H-2B and H-2A workers gain deep expertise in crop management, farm operations, and seasonal logistics
- Bankable funds agricultural businesses owned by former seasonal workers — no green card required
- Farm equipment, working capital, and crop financing all available up to $5M
- SBA 2026 rule now blocks non-citizen farm owners from SBA programs
- 48-hour decisions based on revenue, not immigration status
From Seasonal Farm Worker to Farm Owner
The broader community of former seasonal visa holders who transitioned to other work authorization types includes thousands of people who built their expertise in agricultural settings — nurseries, tree farms, mushroom growing operations, orchards, and specialty crop production — and who now own their own agricultural businesses. These farm owners face the same capital access barrier as every other non-permanent-resident entrepreneur: banks decline on the immigration screen, before they ever examine the farm's cash flow, crop contracts, or equipment equity. Bankable bypasses that screen entirely.
Agricultural Business Funding Uses
- Farm equipment: Tractors, harvesters, irrigation systems, greenhouse equipment, and specialized crop machinery.
- Seasonal operating capital: Seeds, fertilizers, pesticides, fuel, and labor costs all arrive before harvest revenue. Pre-season working capital covers these inputs.
- Greenhouse and controlled environment agriculture: Expanding from field crops to greenhouse production requires significant capital investment in structures and climate systems.
- Direct-to-consumer channel development: Farm stands, farmers market infrastructure, CSA box operations, and e-commerce food sales require marketing and logistics capital.
- Cold storage and post-harvest handling: Proper storage dramatically increases product value and shelf life. Cold storage investment has strong ROI for vegetable and fruit operations.
SBA 2026 Rule Impact on Farm Owners
The 2026 SBA rule requiring 100% U.S. citizenship eliminates many farm owners from SBA programs, including USDA-backed SBA loan products. Bankable's private capital has no citizenship requirement. Read the full breakdown.
Farm Equipment Financing
Tractors, irrigation systems, harvesters, greenhouse equipment. Asset-secured for better rates.
Learn More →Seasonal Working Capital
Pre-season input financing for seeds, fertilizer, and labor. Repay at harvest. Up to $500K.
Apply →Revenue-Based Funding
Based on your farm's annual revenue. Repay as a percentage of daily deposits. Flexible for seasonal businesses.
Apply Now →Frequently Asked Questions
Yes. Bankable funds farm businesses regardless of immigration status, as long as you have a valid SSN, business EIN, and documented annual revenue of at least $150,000.
We fund farms, nurseries, orchards, greenhouse operations, livestock operations, mushroom farms, specialty crop producers, and agricultural distributors.
We fund your spring inputs — seeds, fertilizers, transplants, labor — before your growing season generates revenue. Repayment is structured around your harvest cycle.
Yes. Farm equipment financing is available for tractors, irrigation systems, harvesters, and agricultural machinery. The equipment serves as collateral, typically resulting in better terms than unsecured financing.
We analyze your full annual bank statement history, understand your revenue cycle, and structure repayments so your lowest obligations align with your slowest months.
Six months of business bank statements, your EIN, business license or farm registration, and personal identification. No green card or citizenship documents required.
Funding ranges from $25,000 to $5,000,000. A farm generating $400K annually typically qualifies for $75K–$200K in initial funding.
USDA has some programs for historically underserved farmers including certain immigrant-owned operations. However, these are competitive and slow. For immediate capital, Bankable is faster and more accessible. See our grant vs. loan guide.